FlexMark Select Series Annuity Quick Reference of …

1 800-395-1053, Ext. 4002 FlexMark SelectSM Series Annuity Quick Reference Insurance Carrier Product Product Features Income Riders** Premium Bonus Interest Crediting Options* Liquidity GA-Level Commission Available States Ameritas Life Insurance Corp., Lincoln, NE Financial Strength Ratings: Best A (Excellent) for financial strength and operating performance. Third highest of 15 ratings. Rating as of 6/15/2017. Standard & Poor s A+ (Strong) for financial strength. Fifth highest of 21 ratings. Rating as of 6/15/2017. Ameritas Mutual Holding Company s ratings include Ameritas Life Insurance Corp.

2 And Ameritas Life Insurance Corp. of New York. FlexMark SelectSM Series 10-year single premium deferred fixed index annuities* Product Version Prem. Bonus Select NA Plus 6% LT NA LT Plus 4% LT Plus in CA, IN, MO 2% Issue Ages 0 85 (Q and NQ) Premium $25K minimum Year 1. $5K minimum additional (Year 1 only). $1M maximum without Home Office approval. Sweep (Allocation) Dates 5th, 15th, and 25th of each month. Applications, requirements, and premium must be received in good order one business day prior to the sweep date. No-cost income rider (guaranteed lifetime withdrawal benefit rider).** Optional upgraded income rider with level or lifestyle payout.

3 ** Optional Income Booster for declining health.* Vesting premium bonus on Plus products.* Rate banding offers upgraded rates for larger Accumulation Value (AV). Strong accumulation options with choice to buy up the rates on fee strategies.* Proprietary index allows for broad diversification and limited volatility. Extra one-time 10% emergency withdrawal after Year 1.* Minimum Guaranteed Surrender Value (MGSV) is of premium (90% in NJ) less withdrawals at guaranteed minimum interest rate of 1%. Death benefit is greater of AV plus any bonus account or MGSV. Choice of three guaranteed lifetime withdrawal benefit (GLWB) riders at contract issue: Basic GLWB Income Rider Automatically included at no cost!

4 3% Premium Accumulation Rate (PAR) compounded for up to 10 years. Payouts can start after Year 5 and age 50. No restart. MyFit Income RiderSM 6% PAR compounded for up to 10 years. Optional 10-year restart. Choice of level or lifestyle payout option when payouts begin. Lifestyle payout offers enhanced payouts for an enhanced benefit period followed by lower, secondary payouts for life. Enhanced benefit period based on age when payouts begin: o Ages 50 65: 7 years. o Ages 66 70: 5 years. o Ages 71+: NA. Payouts can start after Year 1 and age 50. annual charge. MyFit Income RiderSM With Booster* Same as MyFit Income RiderSM, plus double payouts for impairment in 2 of 6 ADLs.

5 Annual charge. Vesting Premium Bonus* Select Plus: 6% LT Plus: 4% 2% (CA, IN, and MO) 10-Year Vesting Schedule* (% vested at end of year) Select Plus: 0, 5, 10, 15, 20, 30, 45, 60, 75, 90, 100% LT Plus: 0, 5, 15, 25, 35, 45, 55, 65, 80, 90, 100% Vested and non-vested values are included in the death benefit. Rates effective 3/1/2018, and subject to change. Check LegacyNet for updates. AV: Standard Band $0 $199,999 Upgraded Band $200,000+ S&P 500 1-Year PTP w/ Cap: 1% Fee*, No Fee 1% Fee*, No Fee Select : Plus: LT: LT Plus: Russell 2000 1-Year PTP w/ Cap: 1% Fee*, No Fee 1% Fee*, No Fee Select : Plus: LT: LT Plus: BNPP Momentum 5 1-Year PTP w/ Par.

6 Rate: 1% Fee*, No Fee 1% Fee*, No Fee Select : 105% 65% 110% 75% Plus: 95% 55% 100% 60% LT: 100% 60% 105% 65% LT Plus: 90% 50% 100% 60% BNPP Momentum 5 2-Year* PTP w/ Par. Rate: 2% Fee*, No Fee 2% Fee*, No Fee Select : 130% 80% 140% 90% Plus: 115% 65% 125% 75% LT: 125% 75% 130% 80% LT Plus: 115% 65% 120% 70% S&P 500 2-Year* PTP w/ Par. Rate: 2% Fee*, No Fee 2% Fee*, No Fee Select : 70% 40% 75% 45% Plus: 60% 35% 65% 40% LT: 65% 35% 70% 40% LT Plus: 60% 35% 65% 40% 1-Year Fixed Account: Select : Plus: LT: LT Plus: Penalty-Free Withdrawals Year 1: Required minimum distribution (RMD) associated with the policy.

7 Years 2 10: 10% of vested account value annually or RMD. Additional Emergency Access* Extra one-time withdrawal up to 10% without surrender charge or MVA, available after Year 1. Surrender Schedule (+/- MVA)* Select and Select Plus: 10, 10, 10, 9, 9, 8, 7, 6, 4, 2, 0% LT and LT Plus: 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% LT and LT Plus (CA, IN, and MO): 8, , , , , , , , , 0% Waiver of Surrender Charge Riders* Included at no additional cost: Confinement. Terminal Illness. Home Health Care. Select and LT: (0 75) (76 85) Select Plus and LT Plus: (0 75) (76 85) Chargebacks: 100% chargeback Year 1 for death, surrender, and withdrawals (including RMDs).

8 See Compensation Schedule for details. Select and Select Plus: AL, AR, AZ, CO, DC, FL1,2 (0 64), GA, IA, ID, IL, KS, KY, LA, MD, ME, MI, MS, MT, NC, ND, NE, RI, SD, TN, VA, VT, WI, WV, WY LT and LT Plus: AK, CA1,2,3,4,5,6,7, CT, DE, FL1,2 (65+), HI, IN3, MA2, 5, MN8, MO3, NH9, NJ9, NM, NV, OH, OK, PA8, SC, TX, UT8, WA8 1. No Income Booster. 2. No Home Health Care Waiver. 3. 2% bonus and 9-year surrender schedule apply. 4. No MVA. 5. No Confinement Waiver. 6. No Terminal Illness Waiver. 7. No extra 10% emergency w/d. 8. Fee options not available. 9. No 2-Year strategies. In approved states, FlexMark SelectSM index Annuities (Form 2705) and riders are issued by Ameritas Life Insurance Corp.

9 (Ameritas), located at 5900 O Street, Lincoln, NE 68510. Products are distributed by Legacy Marketing Group . Ameritas and Legacy Marketing Group are separate, independent entities. FlexMark SelectSM index Annuities are single premium deferred annuities that offer a fixed interest option and index interest options. The index options are not securities. Keep in mind, your clients are not participating in the market or investing in any stock or bond. Policies, index strategies, and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions, and additional charges.

10 Product guarantees are based on the claims-paying ability of Ameritas Life Insurance Corp. Refer to brochures for additional details. Withdrawals may be subject to income tax. If withdrawals are made before age 59 , they also may be subject to an IRS penalty tax. Ameritas, Legacy Marketing Group , and their authorized representatives do not give legal or tax advice. It is recommended that tax advisers be consulted. Standard & Poor s 500TM index is comprised of 500 stocks representing major industrial sectors. S&P 500 and Standard & Poor s 500TM are trademarks of Standard & Poor s and have been licensed for use by Ameritas Life Insurance Corp.